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Looking for car & equipment finance in the Hunter Valley?

Start your journey, contact Inovayt Hunter Valley today

Car and Equipment Finance Hunter Valley

If you’re in need of car and equipment finance in Hunter Valley, Inovayt is here to help. Whether you are looking to purchase a new car or finance equipment for your business, we can help you achieve your financial goals sooner.

Office location

Newcastle

88 Elder St,
Lambton
NSW 2299

Get in touch

1300 354 355

Call now   ➔

Office location

Newcastle

88 Elder St,
Lambton
NSW 2299

Get in touch

1300 354 355

Call now   ➔

Personal asset finance

Personal asset finance can help you secure anything from cars to caravans, boats to jet skis. You no longer have to save for years before you can be proud of your wheels or enjoy that weekend away with your family. Inovayt’s car and equipment finance team can help you find the best personal loan for you.

Business asset finance

Are you experiencing growing pains or keen to invest in the latest equipment to maintain your competitive advantage? Whether you need to speed up your productivity due to an influx of customers or simply want to upgrade old equipment, business asset finance can help you to manage your business while maintaining a steady cash flow.

Chattel mortgage

Businesses looking to use an asset being purchased as security for a loan, will benefit from a chattel mortgage. A chattel mortgage can be used to purchase anything with a serial number, including a vehicle or factory machinery.

Low doc loan

With a low doc loan, an established business is able to secure finance for an asset without the normal income verification criteria. A low doc loan fast-tracks the application process for established businesses by allowing them to provide reduced income evidence such as BAS, account statements or a declaration from their accountant.

Our frequently asked questions

It’s hard to know whether asset finance will benefit you in the long term. You will want to weigh up the pros and cons, so we’ve put together some of our most frequently asked questions below.

Financing an asset can help you get your hands on it sooner without having to purchase it outright. Whether it’s for personal or business use, asset finance can reduce larger loan costs, free up capital and improve your cash flow.

Equipment finance can help businesses purchase machinery, tools, and equipment to help them operate, including construction tools, heavy machinery and manufacturing equipment, as well as commercial cleaning, office and medical equipment.

A balloon payment is a sum of money left over at the end of your loan period which is owed to the lender. While this may not be the right solution for everyone, it decreases the monthly repayments for the borrower throughout the course of the loan. The balloon amount can be negotiated with the lender depending on what’s right for you.

The maximum balloon payment will depend on the lender. In most cases, it can be a maximum of 50 per cent of the total loan amount. This means if the balloon payment is 50 per cent on a $20,000 loan, you will owe the lender $10,000 at the end of your loan period.

Lenders will allow you to have a term between one and seven years. However, there are many things to consider when deciding on a loan term that’s right for you, including how much interest you will pay, as the longer the term the higher the interest.

Both car loans and novated leases have regular repayments and the option to include a balloon payment at the end of the loan period. A novated lease is a three-way deal between you, the lender, and your employer. You own the vehicle when the term ends, and you pay for the balloon. With a car loan, you own the vehicle from day one. A car loan is paid with after-tax earnings and a novated lease from pre and post-tax pay.

Helpful resources

Budget Planner

Work out where your money is going with our Budget Planner calculator. You can customise the item names and save your results.

Meet your Hunter Valley asset finance broker

Our experienced and friendly team can provide you with lifetime financial solutions by understanding your individual needs and goals.


Get in touch

1300 354 355


Send us an email

info@inovayt.com.au

Start your journey, contact Inovayt Hunter Valley today

Get in touch
1300 354 355


Send us an email
info@inovayt.com.au

Start your journey, contact Inovayt Hunter Valley today

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